insuring 2005 forester xt

[newman]

Can anyone explain to me why insurance is so costly on this car?
According to my insurance company (usaa. usually tough to beat), it's
$50 more per six months than a 2002 audi allroad or a 2004 toyota
tacoma and it's $150 more than a 2003 ford explorer. i thought for sure
it would be the cheapest of all these models.

in the break down, it looks like i'm getting killed on the collision
premium.

any insurance experts out there?

--b

 

[CompUser]

@l41g2000cwc.googlegroups.com>,
(e-mail address removed) says...

Can anyone explain to me why insurance is so costly on this car?
According to my insurance company (usaa. usually tough to beat), it's
$50 more per six months than a 2002 audi allroad or a 2004 toyota
tacoma and it's $150 more than a 2003 ford explorer. i thought for sure
it would be the cheapest of all these models.

That's interesting, because I ended up dropping
my coverage with USAA when I got my WRX...they
quoted me ~$750/six months---Geico was less, and
Progressive got my business with a quote under
six for a year. I even called USAA back, to
double check; gave them the other company quotes,
and the lady said she didn't understand the
spread, and would get back to me. She verified
the USAA quote.

I'd been with them for over 20 years, no at-fault
accidents, no not-at-fault accidents, no
citations <shrugs>.

Maybe USAA just doesn't like Subies!

 

[KLS]

@l41g2000cwc.googlegroups.com>,
(e-mail address removed) says...

That's interesting, because I ended up dropping
my coverage with USAA when I got my WRX...they
quoted me ~$750/six months---Geico was less, and
Progressive got my business with a quote under
six for a year. I even called USAA back, to
double check; gave them the other company quotes,
and the lady said she didn't understand the
spread, and would get back to me. She verified
the USAA quote.

I'd been with them for over 20 years, no at-fault
accidents, no not-at-fault accidents, no
citations <shrugs>.

Maybe USAA just doesn't like Subies!

No, USAA simply is not competitive with automobile insurance prices,
and I have continued to double check their rates for more than 15
years, never selecting them to provide coverage because their rates
ALWAYS are higher than Geico's or my current provider (AMEX
Assurance). They're usually right around the same as Progressive,
which isn't very cheap either in my experience. We've got AMEX
covering the Audi A4 and Geico covering the Subaru Legacy OBW. These
two cars, Subaru and Audi, are expensive to repair, keep in mind.

 

[CompUser]

No, USAA simply is not competitive with automobile insurance prices,
and I have continued to double check their rates for more than 15
years, never selecting them to provide coverage because their rates
ALWAYS are higher than Geico's or my current provider (AMEX
Assurance).

Actually, I'll call ya out on that---ironically,
since I've bailed from them, for being *non-
competitive* on Rus. When all the "price
oriented" auto insurance campaigns started about
five years ago, I began calling their
competition...eventually, I began getting "USAA?
Oh, I don't even have to look that one up...we
can't touch them" responses from the call
handlers...THAT is why I was incredulous about
their rate for the WRX.

BTW, USAA has been one of the Consumer Reports'
top-three rated insurors for ages. They always
took care of me, including two non-fault
accidents my ex was involved in...<shrugs>

 

[KLS]

Actually, I'll call ya out on that---ironically,
since I've bailed from them, for being *non-
competitive* on Rus. When all the "price
oriented" auto insurance campaigns started about
five years ago, I began calling their
competition...eventually, I began getting "USAA?
Oh, I don't even have to look that one up...we
can't touch them" responses from the call
handlers...THAT is why I was incredulous about
their rate for the WRX.

BTW, USAA has been one of the Consumer Reports'
top-three rated insurors for ages. They always
took care of me, including two non-fault
accidents my ex was involved in...<shrugs>

Oh, I don't dispute the service from USAA, I'm just telling you that
in New York State, where I live, their rates totally suck and have
never been low enough to make my switching over to them economically
worthwhile.

 

[Alan]

Can anyone explain to me why insurance is so costly on this car?
According to my insurance company (usaa. usually tough to beat), it's
$50 more per six months than a 2002 audi allroad or a 2004 toyota
tacoma and it's $150 more than a 2003 ford explorer. i thought for sure
it would be the cheapest of all these models.

in the break down, it looks like i'm getting killed on the collision
premium.

any insurance experts out there?

--b

It is because you are driving a "fast" car. They know the XT is really a
sports car.

 

[Sparky Polastri]

Can anyone explain to me why insurance is so costly on this car?
According to my insurance company (usaa. usually tough to beat), it's
$50 more per six months than a 2002 audi allroad or a 2004 toyota
tacoma and it's $150 more than a 2003 ford explorer. i thought for sure
it would be the cheapest of all these models.

in the break down, it looks like i'm getting killed on the collision
premium.

any insurance experts out there?

--b

It could be simply repair cost. I wouldn't be suprised at all if Subies had
higher collision premiums just because if you gack up the car it takes more
to fix it (and there are less places around fixing them).

I hated my other cars, but love my subie. So it's worth it to me for any
higher repair and insurance. <shrug>

 

[newman]

yes. that's the conclusion i came to as well. the "t" in "xt" is what's
killing me. actually, for a car that does 0-60 in 5.3 s, the rate is
quite reasonable.

fyi, i shopped the VIN around on the car i'm looking at and usaa
crushed the competition (crushed as in 33% cheaper). i'm sorry i
doubted you, usaa 8)

now to begin the fax attack. anyone out there actually tried this?

--b

 

[PHIL]

Can anyone explain to me why insurance is so costly on this car? ......snipped...
--b

That's easy to answer - 'TURBOCHARGED' it says to them you run the
car hard & fast. You are more likely to speed & get in an accident.

At least that's how ~they see it